TellerScore

Pinnacle Bank - Wyoming is a state-chartered bank headquartered in Cody, Wyoming, in business for about 108 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.2B in deposits, with 15 offices across 2 states.

Pinnacle Bank - Wyoming has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 897 banks with $1 billion – $10 billion. Among 24 banks headquartered in Wyoming, it ranks 9th. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (57/100, 10.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.69%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 79.2% · 25.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the earnings component improved by 21 points.

TellerScore
667277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202469
Q1 202572
Q2 202575
Q3 202571
Q4 202573
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%7.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.51%
Q3 20249.44%
Q4 20249.56%
Q1 20259.98%
Q2 202510.47%
Q3 202510.53%
Q4 202510.37%
Q1 202610.28%
Q2 202610.69%
Noncurrent loans
0.25%0.38%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.47%
Q4 20240.47%
Q1 20250.29%
Q2 20250.25%
Q3 20250.51%
Q4 20250.26%
Q1 20260.27%
Q2 20260.26%
Return on assets
0.86%1.27%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.89%
Q4 20240.95%
Q1 20251.03%
Q2 20251.15%
Q3 20251.23%
Q4 20251.28%
Q1 20261.64%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.3B10.69%0.26%1.67%79.2%
Q1 202676$1.3B10.28%0.27%1.64%80.4%
Q4 202573$1.3B10.37%0.26%1.28%74.5%
Q3 202571$1.3B10.53%0.51%1.23%76.3%
Q2 202575$1.3B10.47%0.25%1.15%75.9%
Q1 202572$1.3B9.98%0.29%1.03%72.0%
Q4 202469$1.3B9.56%0.47%0.95%69.5%
Q3 202468$1.3B9.44%0.47%0.89%70.9%
Q2 202466$1.4B9.51%0.47%0.86%69.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.69%
54th
Total risk-based capital15.64%
74th
Problem loans0.26%
72nd
Net charge-offs0.01%
69th
Return on assets1.67%
77th
Net interest margin3.99%
67th
Efficiency ratio47.2%
83rd
Loans to deposits79.2%
70th
Uninsured deposits25.9%
68th
Loan-loss reserves1.25%
64th
Texas ratio2.2%
67th

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Hilltop National BankBank Casper, WY84 out of 100, Strong$1.1B11.9%0.28%vs
The Converse County BankBank Douglas, WY75 out of 100, Strong$1.1B9.6%0.05%vs

Deposit insurance

Is my money safe at Pinnacle Bank - Wyoming?

Yes. Pinnacle Bank - Wyoming is an FDIC-insured institution (FDIC certificate #2232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.9% of deposits ($301.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.64% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Pinnacle Bank - Wyoming lists 12 offices in 11 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pinnacle Bank - Wyoming reported 335 home-loan applications under HMDA (LEI 549300QG83M0EX7VC434): 252 originated ($64,610,000 total), 24 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pinnacle Bank - Wyoming
Former names
Citizens Bank & Trust Company; The Citizens National Bank & Trust Company; Pinnacle Bank - Torrington; The Citizens National Bank of Torrington
Type
State-chartered bank
FDIC certificate #
2232
RSSD ID
561659
Primary regulator
FDIC
Holding company
Pinnacle Bcorp Inc
Established
April 6, 1918
Headquarters
1702 Sheridan Ave, Cody, WY 82414
Employees
148

Quick answers

Pinnacle Bank - Wyoming: common questions

Is Pinnacle Bank - Wyoming FDIC insured?

Yes. Pinnacle Bank - Wyoming is an FDIC-insured institution (FDIC certificate #2232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pinnacle Bank - Wyoming's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pinnacle Bank - Wyoming ever failed?

There is no failure record for FDIC certificate #2232 in the FDIC failed bank list.

How many branches does Pinnacle Bank - Wyoming have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

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BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs